About us

Musoni is a multi-award winning, cloud-based, core-banking system used by organisations all around the world. The software has been consistently proven to help financial organisations improve efficiency, reduce costs, and expand outreach into the rural areas where the majority of the unbanked live.

Aside from the core banking functionality, Musoni has pioneered the use of new technology in microfinance, and as such is integrated with multiple mobile money transfer services, includes an SMS module for the sending of automated payment reminders, a tablet app that loan officers can use for offline data capture, a mobile banking app for clients and credit scoring to improve lending decisions. Musoni therefore helps financial organisations to leverage the latest technology sweeping across Africa, but at a fraction of the cost associated with traditional banking systems.


Our Story

Our goal is to revolutionise the way financial services are delivered across the globe, and in doing so to improve the lives of the unbanked. Before starting Musoni Services, the team founded the world’s first 100% mobile microfinance institution in the world in Kenya in 2009. As a result, we have firsthand knowledge of what its like to run a microfinance organisation and the challenges faced in finding the perfect core banking system. We see technology as key to the future of microfinance and crucial to our goal of improving livelihoods through financial inclusion, and the lessons we have learnt setting up and running a microfinance institution ourselves have now been distilled into our multi-award winning, cloud-based Musoni System.

Mobile Microfinance

Following the successes of M-PESA, MTN Mobile Money, Airtel Money and the many other mobile money transfer systems being used across Africa, we believe in the huge potential in linking mobile and microfinance. Indeed, the original idea behind M-PESA was to make it easier for microfinance clients to make loan repayments. By processing loans, savings and repayments over mobile money transfer systems, MFIs can improve their efficiency, reduce the errors and wasted time associated with manual cash handling, and lower the likelihood of fraud. The Musoni System has therefore been built to make it as easy as possible for you to integrate with mobile money. We are already integrated with M-PESA (Kenya & Tanzania), Airtel Money, Yo!Payments, Kopo Kopo, Paynet, Payway and Ecocash.

Our Name

Musoni stands for ‘Mobile Usoni’, which means mobile future in Swahili. We like to think that our use of mobile technology represents the future of microfinance, and hope you’ll join us on our journey.  



The system is fantastic in terms of real time reporting, user friendliness and security. The people behind the system are a wonderful team.

Neema HEEP (Kenya)

You guys are a pleasure to work with. Incredibly responsive, your support is excellent.

Five Talents (East Africa)

The Musoni System will provide microfinance organisations in Zimbabwe with the solid foundations they need to grow their operations.

Godfrey Chitambo (Executive Director, ZAMFI)

The best all-inclusive microfinance software we have ever used with incomparable and excellent support services.

First Choice Finance (Zimbabwe)

So user friendly that loan officers are not required to be proficient in IT. The system has a simple graphic user interface and features a logical distribution of functions, so each user can easily access and manipulate the information they require

International Finance Corporation (case study - Minakshi Ramji)

The Musoni System is safer, more accurate and reduces the need for paperwork

Mama Bahati Foundation (Tanzania)

Musoni dramatically improved the way we track customer profiles and repayments.

Tugende (Uganda)